Most states have various program that help with down payment assistance to buy a home. The best place to start looking at is usually with your local city and/or county office. You can obtain this contact information quite easily by looking your local phone books or by simply doing a Google search online. If down payment assistance can not be found in your area or there are simply no down payment assistance programs available, there are quite a few mortgage programs that allow for a home purchase with zero money down.

Below is a list of states and some places that you may want to use to begin your search for some down payment assistance when you are considering buying a home. States are listed in alphabetical order and if your state does not appear on this page, you can also click here or
click here for more states.

This page contains down payment assistance programs for states Alabama through Maine.

California down payment assistance programs exist to help buyers purchase a home when they would not otherwise be able to afford one. Certain restrictions apply to qualify for the programs. We can answer further questions for you on these programs to determine your eligibility.

Programs and assistance amounts can change from year to year. Again, the best way to stay on top of the down payment assistance programs in your county is by contacting your mortgage professional who can review what programs you may be eligible for.

If you don't currently have a
mortgage professional working for you, feel free to contact us at 440-614-0130 for more info.

In addition to the government sponsored down payment assistance programs, there are many non-profit organizations that will grant you your down payment. You should ask your mortgage broker what program is right for you.
Down payment organizations such as AmeriDream, Grant America, and the
Nehemiah Program provide assistance to thousands of families every year
for down payment
assistance.

Some assistance programs require repayment, others do not.
Ask questions about how your down payment assistance programs work so
that you completely understand the terms and whether repayment is
expected or not. Contact your local city/county government offices to
see if they can direct you to any city/county down payment assistance
that is local to your area.

In addition to the government sponsored down payment assistance programs, there are many non-profit organizations that will grant you your
down payment. You should ask your mortgage broker what program is right for you.

Delaware First State Community Loan Fund Delawareans Save IDA Program (IDA)$1,500 (302) 652-6774 Dover First Start Home Ownership Down Payment and Settlement Assistance Program$10,000 (302) 736-7175 New Castle County Down Payment Settlement Program (DPS)$4,000 (302) 395-5602

Each down payment assistance program will have its own specific guidelines. Not all borrowers will qualify for the assistance. There are other options such as 100% or 103% financing that can help borrowers who do not have the assets for a down payment and/or closing costs.
Combo
loans, also known as
80/20 loans are very popular methods of buying a home with no money
available for a down payment.

Florida down payment assistance is very popular as property values
throughout many areas in Florida are so high. Down payment assistance
programs are available in most of the state and you can also contact you
local county/city governement offices to find other sources or methods
of down payment assistance.

In addition to the government sponsored down payment assistance programs, there are many non-profit organizations that will grant you your down payment. You should ask your mortgage broker what program is right for you.